RETIREMENT PLANNING

Retirement Planning Services

All we do is financial planning for retirees and people close to retirement.
We are retirement specialists with a simple goal of making sure your retirement is a success.

We serve as the single, coordinating point-of-contact for all our clients' financial planning needs.
  • INVESTMENT MANAGEMENT
  • SOCIAL SECURITY TIMING
  • RETIREMENT INCOME
  • TAX PLANNING
  • RETIREMENT PLANNING
  • OPTIMIZING INSURANCE

Are you confident that you are prepared for retirement? Do you know how much you can safely spend in your retirement years? Do you have a plan to reduce your income taxes? Are your retirement funds invested properly for retirement?


If you are retired or approaching retirement, these are the kind of questions you want to be asking yourself. Building a retirement plan yourself can be complicated. If you understand that the success of your retirement is too important to be doing it yourself and you understand the value of having expert guidance, Echols Financial Services is here to help. We have been helping people in the Cumming, GA area since 2003.

What is a Retirement Consultant?

A retirement consultant offers services to help individuals and couples who are retired or close to it. Retirement can be a source of worry. Recent studies show that few Americans are ready for the financial realities of retirement. A financial advisor specializing in retirement planning can look at your life goals and personal information and help you form a realistic plan to make your retirement a success.
You'll want to know that your advisor has completed a course of study that covers retirement needs, investment management, estate planning, insurance planning, tax planning, and the entire retirement planning process. Your prospective advisor should provide you with the information you need to learn about their credentials and associations. You want an advisor who is dedicated to the study of retirement planning and has been applying that knowledge for many years with real clients similar to yourself.


You also want a fiduciary, fee-only (no-commission) financial planner who you know will give you independent, unbiased advice.

Do I need a Financial Advisor in Retirement?

Financial planning strategies to reach retirement are much simpler than the financial planning strategies needed during retirement.  Retirement has its own set of risks. These risks involve investment management, tax planning, estate planning, insurance planning, Social Security retirement benefits, Required Minimum Distributions (RMDs), and retirement income planning.
 

A retirement specialist will help you avoid costly mistakes and enjoy retirement with greater peace of mind. You can know you are achieving your goals with less personal time, worry, and effort. 


Comprehensive retirement advisory planning offers you:
  • peace of mind for you to focus on what you enjoy doing in retirement
  • financial security during your retirement
  • minimized tax risk with maximized benefits
  • the chance to achieve your long-term goals while enjoying the lifestyle you enjoy today

Finding the right retirement advisor is no doubt one of the most important financial decisions a person can make. The first test of an advisor is whether they help you make an educated and informed decision about hiring them. 


The only reason to ever hire an advisor is if the value you will receive is worth more than the price you will pay. If they can't show you that upfront, you shouldn't hire them.


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Building a Retirement You Can Count On

As an eighth-generation Forsyth County resident, we are excited to help individuals and couples in the Cumming, GA area with their retirement planning needs. Echols Financial Services is a fiduciary, fee-only, no-commission, Registered Investment Advisor specializing in retirement planning services.


We offer comprehensive wealth management services for retirees and can help you oversee your retirement planning step by step.


One thing that makes us different is that all we do is retirement planning. Whether it's spending more time with family, traveling, or pursuing a hobby or a calling, you can do it without worrying about running out of money or cheating yourself out of what you could have enjoyed.



Our Process

We have a carefully designed process to help you make an educated and informed decision about working with us. You will receive a free retirement assessment that can also be used to evaluate other advisory firms you may be considering.
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